Loan Specialist at Dlight Capital Ltd

We are seeking a results-driven and detail-oriented Loan Officer to join our lending team. You will be the primary link between our institution and clients, responsible for originating new business, conducting rigorous credit appraisals, and ensuring a healthy, high-quality loan portfolio in compliance with Central Bank of Nigeria (CBN) guidelines

Core Responsibilities

• Loan Origination: Identify and prospect potential individual and SME borrowers through market visits, referral networks, and community outreach.
• Credit Analysis: Conduct comprehensive appraisals, including analyzing bank statements, income statements, and trade records to assess repayment capacity.
• Risk Assessment: Evaluate creditworthiness using credit bureau reports (e.g., CRC Credit Bureau, FirstCentral) and verify collateral or guarantor stability.
• Documentation & Compliance: Ensure all credit files are complete and strictly adhere to KYC (Know Your Customer) and AML (Anti-Money Laundering) regulations.
• Portfolio Management: Monitor repayment performance, manage delinquent accounts, and maintain the Portfolio at Risk (PAR) within approved institutional thresholds.
• Field Operations: Perform regular site visits to verify business operations and maintain strong relationships with borrowers